---
title: "Check your JHT balance in JMO and choose a claim route"
canonical: https://panduanwarga.org/en/guides/jht-balance-and-claims/
language: en
category: "Everyday money"
reviewed: 2026-09-25
modified: 2026-09-25
publisher: "Panduan Warga (independent; not a government website)"
reviewed-by: "Kaiser Khan (https://panduanwarga.org/en/about/kaiser-khan/)"
---

# Check your JHT balance in JMO and choose a claim route

**How do I check my JHT balance in JMO and claim it?**

In JMO, choose Jaminan Hari Tua, then Cek Saldo and the KPJ membership number to inspect. A displayed balance does not automatically mean it can all be withdrawn now. Claims depend on the reason, requirements and appropriate BPJS Ketenagakerjaan channel. After resigning or being dismissed, you can claim JHT once a 1-month waiting period has passed, and payment is due within 5 working days of a complete application; balances up to Rp15,000,000 can be claimed directly in JMO.

## What you need to check and claim JHT

- A JMO account and the relevant KPJ membership number.
- For a claim, identity, membership, receiving-account and reason-specific documents.
- Accessible email and phone for confirmation or verification appointments.
- Internet access; keep the account password under your control.

## How to check and claim JHT

1. **Sign in through official JMO.** Use Jamsostek Mobile from BPJS Ketenagakerjaan. Find the app through its official website and avoid installation files from unknown messages.
2. **Choose JHT and Cek Saldo.** This checks the record; it is not a withdrawal request or approval.
3. **Select the KPJ.** Review the correct membership, especially if you have more than one number. Query discrepancies through official help.
4. **Review claim grounds.** Retirement, resignation, termination and partial claims have different conditions. Use the checklist for your reason.
5. **Use an eligible claim channel.** Follow JMO if you qualify. For Lapak Asik, provide the required information, keep confirmation and attend the verification schedule. Check current channel limits directly.
6. **Track the claim.** Keep evidence and use the official claim-status or tracking facility. Avoid intermediaries promising payment without checks.

## How much it costs to check and claim JHT

Do not pay an intermediary merely to view a balance. Benefits may be subject to tax depending on the participant’s circumstances and applicable rules; ask for an official breakdown. Data or call charges may apply.

JHT claim routes

| Route | For whom | Verification | Notes |
| --- | --- | --- | --- |
| JMO (app) | JHT balance up to Rp15,000,000 | Three green eligibility ticks, membership data check, selfie | Jaminan Hari Tua > Klaim JHT, then choose the claim reason |
| Lapak Asik (online) | JHT claims for age 56, resignation, dismissal, end of fixed-term contract, company retirement age, or 10%/30% partial claims; also JP and JKM | Upload documents and a photo (JPG/PNG/PDF, max 6 MB), video interview at the time sent by email | Money is sent to the account you provide |
| Branch office | In-person applications | Bring original documents, take a queue number, see an officer | Monday-Friday 08.00-15.30; priority queue for pregnant, elderly and unwell members |

## Balance checks, claims and tracking serve different needs

A balance check shows recorded savings, a claim requests benefits under the rules, and tracking follows an existing application. Decide which you need before entering a claim form.

For discrepancies, record the check date, KPJ and specific difference. Send identifiers only through the appropriate official channel, not in a public post.

## JHT eligibility, Lapak Asik and other Jamsostek benefits

BPJS Ketenagakerjaan distinguishes JHT reasons including age 56, resignation or redundancy, permanent total disability, death, permanent departure from Indonesia and qualifying partial withdrawals. Membership status and proof must match the reason; a JMO balance is not automatic cash availability.

Lapak Asik asks for NIK/KPJ information, uploads and verification, then sends video-interview arrangements by email. Documents and tax consequences can differ for large balances or partial claims. JKK, JKM, JP and JKP are distinct benefits, not other names for JHT.

- [BPJS Ketenagakerjaan: claim routes](https://www.bpjsketenagakerjaan.go.id/cara-klaim.html)
- [Official Lapak Asik](https://lapakasik.bpjsketenagakerjaan.go.id/)

## Waiting period, payment time and tax on JHT

Minister of Manpower Regulation 4/2022 sets a 1-month waiting period: for resignations it runs from the date the employer issues the resignation statement, and for dismissals from the dismissal date. From then until payment you must remain out of work; if a new employer registers you, the balance continues under the new membership. Once the application is complete and correct, BPJS Ketenagakerjaan must pay within 5 working days.

JHT paid as a lump sum, or fully paid within 2 calendar years, is subject to final income tax: 0% on the portion up to Rp50,000,000 and 5% above that. If paid in the third year or later, progressive rates of 5% to 35% apply, 20% higher without an NPWP tax number. An NPWP is required if the balance exceeds Rp50,000,000 or you have made a partial claim.

A 10% or 30% partial claim requires at least 10 years of membership and is allowed only once. BPJS Ketenagakerjaan warns that a partial claim can lead to progressive tax on the next withdrawal if more than 2 years apart.

- [BPJS Ketenagakerjaan: claim requirements and JHT tax](https://www.bpjsketenagakerjaan.go.id/cara-klaim.html)
- [Minister of Manpower Regulation 4/2022 (JDIH BPK)](https://peraturan.bpk.go.id/Details/210568/permenaker-no-4-tahun-2022)

## Things to check carefully

- The displayed balance is not necessarily the net claim payment.
- Check current JMO claim limits rather than old articles.
- JHT is an employment benefit, distinct from BPJS Kesehatan healthcare.
- Starting a new job during the waiting period cancels a resignation-based JHT claim; the balance continues under the new membership.
- Claims paid in the third year or later without an NPWP attract progressive tax 20% higher; have an NPWP ready if the balance exceeds Rp50,000,000.

## Frequently asked questions

### Is Lapak Asik the balance-check service?

The official balance guide directs users to Cek Saldo in JMO. Lapak Asik is a claim channel.

### Can every displayed balance be withdrawn immediately?

No. Check BPJS eligibility and conditions; viewing a balance does not change claim eligibility.

### Where do I track a claim?

Use www.bpjsketenagakerjaan.go.id/tracking or the official claim-status feature and retain the application reference.

### When can I claim JHT after resigning?

After a 1-month waiting period from the date your employer issues the resignation statement (for dismissal, from the dismissal date). During that time you must not already be working for another employer that registers you with BPJS Ketenagakerjaan. Payment is due within 5 working days of a complete and correct application.

### Can I claim JHT without a reference letter (paklaring)?

Regulation 4/2022 requires a resignation statement from the employer. BPJS Ketenagakerjaan accepts your inactive status in its system, based on the employer's report, as that statement. If your status is still active, ask HR to report it or call 175.

### Can I withdraw part of my JHT while still working?

Yes, after at least 10 years of membership: up to 10% for other needs or up to 30% for home ownership. A partial withdrawal is allowed only once. For the 30% option, get a letter from a BPJS Ketenagakerjaan office to take to the lending bank.

### How much tax is charged on JHT?

If paid as a lump sum or fully within 2 calendar years: 0% on the portion up to Rp50,000,000 and a final 5% above that. If paid in the third year or later: progressive rates under Article 17 of the Income Tax Law (5% to 35%), 20% higher without an NPWP.

### My JHT balance is over Rp15 million. Can I claim in JMO?

No. Since May 2025, JMO claims are available for JHT balances up to Rp15,000,000. Above that, use Lapak Asik or a branch office. Three green ticks in JMO's Klaim JHT menu show you meet the conditions for an in-app claim.

## Official sources

1. [BPJS Ketenagakerjaan — Cara Cek Saldo JHT di JMO](https://www.bpjsketenagakerjaan.go.id/jmo/cek-saldo.html) (accessed 2026-09-25)
2. [BPJS Ketenagakerjaan — Tentang aplikasi JMO](https://www.bpjsketenagakerjaan.go.id/jmo/tentang-aplikasi.html) (accessed 2026-09-25)
3. [BPJS Ketenagakerjaan — Prosedur dan dokumen klaim](https://www.bpjsketenagakerjaan.go.id/cara-klaim.html) (accessed 2026-09-25)
4. [BPJS Ketenagakerjaan — Pengajuan dan antrean Lapak Asik](https://www.bpjsketenagakerjaan.go.id/artikel/19018/artikel-cara-ambil-antrian-online-via-lapak-asik-.bpjs) (accessed 2026-09-25)
5. [BPJS Ketenagakerjaan — Lapak Asik](https://lapakasik.bpjsketenagakerjaan.go.id/) (accessed 2026-09-25)
6. [Permenaker 4/2022 tentang tata cara pembayaran manfaat JHT (JDIH BPK)](https://peraturan.bpk.go.id/Details/210568/permenaker-no-4-tahun-2022) (accessed 2026-09-25)
7. [PP 46/2015 tentang Program Jaminan Hari Tua (JDIH BPK)](https://peraturan.bpk.go.id/Details/5614/pp-no-46-tahun-2015) (accessed 2026-09-25)
8. [BPJS Ketenagakerjaan: tutorial klaim JHT di JMO](https://www.bpjsketenagakerjaan.go.id/jmo/klaim-jht.html) (accessed 2026-09-25)
9. [BPJS Ketenagakerjaan: klaim JHT lewat JMO sampai Rp15 juta](https://www.bpjsketenagakerjaan.go.id/berita/29488/Klaim-JHT-BPJS-Ketenagakerjaan-Lewat-Aplikasi-JMO-kini-bisa-sampai-Rp15-Juta) (accessed 2026-09-25)
10. [BPJS Ketenagakerjaan: klaim JHT setelah resign](https://www.bpjsketenagakerjaan.go.id/artikel/18897/artikel-sudah-resign,-bolehkah-langsung-mengajukan-klaim-jht) (accessed 2026-09-25)

## Related guides

- [Indonesian social insurance explained](https://panduanwarga.org/en/guides/indonesian-social-insurance/)
- [Apply for MagangHub internships](https://panduanwarga.org/en/guides/maganghub-indonesia-internships/)
- [Make a household budget that fits your income](https://panduanwarga.org/en/guides/household-budget/)

---

Source: Panduan Warga, https://panduanwarga.org/en/guides/jht-balance-and-claims/ (reviewed 2026-09-25). General information, not legal or financial advice; current agency rules take precedence.